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This image is about a key market trend. It has described information about Private Health Insurance trend in Canada for the decade [2007-2017], in USD Billion. This picture is from Canadian health and medical insurance market report and provided by Mordor intelligence cite.
I had chosen this picture because it describes ten years details on just one graph, which is easy to understand for everyone.

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Canada Health and Medical Insurance Market | Growth, Trends, and ...

mordorintelligence.com

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Please click here if you are not redirected within a few seconds. Images Canada Health and Medical Insurance Market | Growth, Trends, and ... mordorintelligence.com Images may be subject to copyright.

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This image is provided by jointhealth.org website, which contains very information regarding private health insurance. It has described what is private health insurance, key players in Canada, commonly covered facilities at extended health plans, who are covered by it and many more.
I had chosen this image because it covers the whole topic of private health insurance in Canada, which is a great thing.

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This is a short and prime video to understand basic things about health insurance. It will be great for a person who wants some but important details about health insurance in just a few minutes. In this video, is describe the how plans work and how much insurance holder pays and how much insurance company pays with three main factors such as premiums, deductible and out-of-pocket maximum. It also described how these three stages work.

I had chosen this video because this will be perfect for someone to get an overall view of health insurance and costs. The main thing this video is just about 4 -5 minutes and contain very clear and important.

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Understanding Your Health Insurance Costs | Consumer Reports

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Types of Health Insurance: PPOs, EPOs, HMOs, and POSs
This video is about types of health insurance, which are well described, such as PPOs, EPOs, HMOs and POSs with example. You will differentiate between all plans such as Bronze, Gold, Silver, Platinum plans for us and how and how much each plan covers and by this information we can decide which plan will be perfect for us. Even if we can't decide when we meet insurance agent that time we can at least get all the knowledge and we can take the right decision at that time and we can ask any question if we have in that meeting. This all is possible if we have some general knowledge about this so this video is very helpful for individuals.

I had chosen this video over others because the details are uniquely. I didn't find any other effective video regarding this all information at all.

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Health Insurance 101: Types of Plans (Health Insurance 2/3)

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This video gives you information about how you can choose your health insurance plan. It has included three different types of plan which is saving, extended and network plans, you will get all major information for these three type of plan and you will also find monthly and yearly cost of these three plan. He has also tried to explain how you can decide which plan will works for you and what type of coverage you will get by that plan.

I like this video because it has real life example and provider had tried to make it easy to understand and one person can easily compare different type of health insurance plan before buying health insurance plan.

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This video is provided by @ehealth insurance for students. It shows that many colleges and universities ask for student health insurance. If students are covered by any health insurance than they don't need sponsored health insurance policy from university or college.

In this video, the lady talks about three common health insurance options which are available for students. She explained each of these options briefly. Advantages and when the plan will not work for them is also explained.

I had chosen this topic video because every student and parents should know that students have to get health insurance before they enroll in any course.

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This website is provided by the Government of Canada. Which gives you accurate information about how the Canadian health system works, what type of public health card and aids you will get from the government of Canada according to your visa status in Canada, What kind of extra private insurance you should add in your health plan such as, Dental care, and proper information about free services in emergency.

I choose this website because it is provided by the government of Canada and many times I had found that new immigrants have none knowledge about government help for their health and safety. So, this is a small link for them and it is provided by the government, so they can trust on this website.

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If you are a Canadian citizen or permanent resident, you may apply for public health insurance. With it, you don't have to pay for most health-care services.

The universal health-care system is paid for through taxes. When you use public health-care services, you must show your health insurance card to the hospital or medical clinic.

Each province and territory has their own health insurance plan. Make sure you know what your plan covers.

All provinces and territories will provide free emergency medical services, even if you don't have a government health card. There may be restrictions depending on your immigration status.

If you have an emergency, go to the nearest hospital. A walk-in clinic might charge fees if you don't live in that province or territory.

In some provinces you must wait, sometimes up to three months, before you can get government health insurance. Contact the ministry of health in your province or territory to know how long you'll need to wait. Make sure you have private health insurance to cover your health-care needs during this waiting period.

You need a health insurance card from the province or territory where you live to get health care in Canada. You must show this card each time you get medical services.

Government health insurance plans give you access to basic medical services. You may also need private insurance to pay for things that government plans don't fully cover.

The most common types of plans are extended health plans. These cover costs for:

prescription medications

dental care

physiotherapy

ambulance services

prescription eyeglasses

If you work, you may get extra coverage from the company or organization you work for.

In some cases, the Interim Federal Health Program (IFHP) provides temporary health insurance to

refugees

protected persons

refugee claimants

The temporary care covers you and your dependants until you are eligible for health plan coverage through your province, territory or private plan.

During national health emergencies, the Public Health Agency of Canada (PHAC) provides information and guidance in multiple languages. This includes the COVID-19 pandemic.

Get the latest PHAC guidance on COVID-19.

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Immigration, Refugees and Citizenship Canada

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Understand how health care works in Canada

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If you are a Canadian citizen or permanent resident, you may apply for public health insurance. With it, you don't have to pay for most health-care services. The universal health-care system is paid for through taxes. When you use public health-care services, you must show your health insurance card to the hospital or medical clinic.

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Health insurance premiums change from person to person, every person once thinks about what will be the final amount that should be pay every month or year. They take so much time still they can't get their answer but health insurance advisor can judge that amount just by taking some information from clients. For that process, health insurance advisor considers just 6 factors. This website gives you proper information about how these factors affect the health insurance process and the cost of health insurance.
I had chosen this website for this topic because it has expended all the factors perfectly so the reader can find it easy to understand.

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The factors that influence the cost of health insurance in Canada generally fall into one of two categories - the risk you pose to the insurance provider and the type of plan you choose. Below you will find additional information about the factors that could impact the cost of your health insurance plan.

Medical History

Some health insurance plans offer guaranteed acceptance, which means anyone who applies will be covered under the plan. However, other plans require applicants to complete a health questionnaire and/or get a medical exam before determining whether or not someone is eligible for coverage. In these cases, your medical history could influence the cost of your health insurance plan.

If you have a history of certain medical conditions, you may be required to pay a higher premium than someone without a history of those conditions. Your pre-existing condition may not be covered, and in some cases, you may not qualify for coverage at all. If you already have group health insurance but are losing coverage soon, you may be eligible for some policies without a medical exam or health questionnaire. If this is the case, you must apply for health insurance benefits within 60 days of losing your existing coverage.

Location

The role that your location plays in the cost of your health insurance plan is twofold. First, the cost of medical services varies from province to province. If you live in a place where medical costs are higher than average, your premium will likely be higher, and if you live in a place where costs are lower than average, your premium will be lower. The list of services that are covered in your province of residence will also affect your overall cost of health insurance.

Level of Coverage

While all health and dental insurance plans pay for a portion of the cost associated with covered services, the services that are covered, such as specialist visits, prescriptions, vision care and dental care, and the amount the provider pays, vary greatly from plan to plan. Plans that offer broader coverage have higher premiums than plans that cover fewer services.

Pay close attention to what services will be covered under a plan you choose. Comprehensive coverage that seems more expensive up front may actually be a better value if you end up paying out of pocket for services that are not covered under the seemingly more affordable plan.

Insurance Deductibles and Co-Payments

Most people are familiar with the concept of an insurance deductible as it applies to their auto insurance. You pay a portion of the cost of your services, and your insurance provider picks up the costs that are over and above that amount.

A co-payment is the amount you are required to pay for each visit to a healthcare service provider after you have met your deductible. As with deductibles, health insurance plans with higher co-payments tend to have lower premiums, while those with low co-payments have higher premiums.

An Insurance Broker Can Help

If you are having trouble evaluating insurance policies to determine which one best suits the needs of your family, you are not alone. Sometimes it's a challenge to make an "apples to apples" comparison to find the best value. An insurance broker can help you make sense of it all, and help to ensure you only pay for the coverage you need.

The first step towards choosing the right insurance coverage for the needs of you and your family is a no-obligation quote. You can review all of the available options and clearly see the difference one type of policy or level of coverage can make. Contact us today to get started.

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Factors That Influence the Cost of Health Insurance in Canada

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The factors that influence the cost of health insurance in Canada generally fall into one of two categories - the risk you pose to the insurance provider and the type of plan you choose. Below you will find additional information about the factors that could impact the cost of your health insurance plan.

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This website will give you information about top-rated best health insurance companies and what type of plans are available for you. Moreover, You can get enough knowledge about all the best companies and the cost of their health plan so you can compare each other before making any decisions.

I choose this website over other all websites because it has everything that anyone looking for. The comparison chart of all the best major health insurance companies attracts me the most. Moreover, It has frequently asked questions which are asked by many Canadian residents.

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With the rapid increase of the side hustle economy, more and more Canadians are left without employer-issued health insurance.

If you're part of this growing number, it could be beneficial to learn about your options before you go with the first insurance company you find.

And even if your employer does offer you insurance, is it a good plan? Are there better options out there to suit your needs? Or even just to supplement what you already have?

Want to cut to the chase and compare Canada's biggest health insurance companies? Download this printable chart - it's free!

So before you get stuck with a huge bill and zero coverage (or decide to skip your dentist appointment for the 4th year in a row...), let's take a look at health insurance options in Canada:

Do you need health insurance in Canada?

Canada's healthcare system pays for basic healthcare services, including doctor visits and emergency care. You're qualified to receive this coverage through your province as a Canadian citizen or permanent resident.

If you're having a medical emergency, you have a lot of things on your mind. Thankfully, in Canada, how you're going to pay for it isn't one of them.

That doesn't mean everything healthcare related is free. In fact, 30% of our health costs are either privately insured or paid for out of pocket. These costs include:

prescription medications,

dental care,

physiotherapy,

ambulance services, and

prescription eyeglasses.

But will it save you money?

It can, depending on your situation.

It's true that a lot of insurance is sold for the peace of mind it gives, which often means paying for something that you don't need in case you do need it in the future.

But if you're on prescription medication, need regular physiotherapy sessions, or practice better-than-average dental care, health insurance will most likely save you money on a regular basis.

Take a personal example

My prescription medication costs about $180 per month without insurance.

Using Blue Cross's instant quote, I could get a plan for $78.75 per month that includes 80% coverage on prescription medication. This means I'd have to pay $36 out of pocket, plus the health insurance premium:

$78.75 premium + $36 out of pocket expense = $114.75

I'm already saving $65.25 a month in prescription coverage alone, and this plan comes with many other benefits, including 60% reimbursement for Visual and Dental care.

This, of course, looks different for everyone. But it's worth considering if you have regular health-related expenses.

Types of health insurance in Canada

There are several different types of health insurance available in Canada, some of which may be more or less relevant to you depending on your stage in life.

Provincial health coverage

Each province has its own way of doing health coverage, which you can find out about through their ministries of health:

Your province will cover most basic needs (like doctor visits) but doesn't cover other essentials (like dentistry and prescription medicine). For this reason, many Canadians have additional health coverage, either privately or through their employer.

Personal health insurance

Personal health insurance (AKA supplementary health insurance) covers what your province doesn't. It's especially useful for prescription medicine costs and specialized doctor coverage, like the dentist or physiotherapist.

Many plans can extend to cover your family as well.

Group health insurance

Group health insurance is what you get through your employer. Your company purchases the coverage then offers it to their employees, often at a discounted price to what you'd pay individually. It also sometimes includes life insurance benefits.

You can further supplement your group health insurance by opting for upgrades on the same plan or buying additional personal health insurance. Just make sure you're not paying twice for the same benefit.

Disability insurance

Disability insurance specifically covers you if you can no longer work due to a disability, whether it's a temporary or permanent condition. It covers a portion of your salary in monthly payouts for a period of time or up to a certain maximum.

This can sometimes be bought in addition to your private or group insurance as an add-on.

Critical illness insurance

Upon being diagnosed with a critical illness and surviving for a specified period of time, critical illness insurance will pay you a one-time lump sum, regardless if you're able to work or not.

Long term care insurance

Long term care insurance provides coverage for things like nursing homes. As such, this insurance is more relevant for ages 60+.

You could consider switching out your disability insurance for long term care once you're retired (or close to) since you no longer have a salary to cover.

Travel medical insurance

Travel medical insurance specifically covers medical expenses that occur while travelling outside of Canada. If you're an avid traveller, this may be something to consider for some extra peace of mind while abroad.

Health insurance comparison chart Canada

Here's a chart that compares the main options of the biggest health insurance companies in Canada.

Keep in mind this is just an overview. More details can be found on their individual websites.

Want a printable version of this comparison chart? Download the PDF - it's free!

Canadian health insurance companies

Let's go into a little more detail about what these companies actually offer.

Sunlife health insurance

Sunlife has 3 different plans for you to choose from, each of which include prescription, dental, and paramedical coverage. Vision is offered in the 2 higher-tier plans.

You can also purchase disability and critical illness insurance from Sunlife, but there's no option to add them as an extra to your plan.

The extras they do offer are:

semi-private hospital stays,

preventative dental,

restorative dentist, and

orthodontics.

The availability of these extras depends on the plan you choose.

Manulife health insurance

Of all the companies we looked at, Manulife has the most choice when it comes to the number of plans available (excluding the customizable plans).

Choose from 7 plans with varying coverage, including:

2 prescription-focused plans,

2 dental-focused plans, and

3 combination options.

With Manulife, you have the option to add on hospital, additional vision care, travel, accidental death and dismemberment, and catastrophic insurance to your plan.

You can also buy stand-alone coverage for hospital and catastrophic insurance.

Blue Cross health insurance

Blue Cross's health insurance is highly customizable, giving you various modules you can choose to add on as you please. The only restriction is that you need to have some health coverage to start with.

Available extras include:

critical illness insurance,

hospital cash (where they'll pay you a certain dollar amount every day you're in the hospital), and

assured access (where you can put your plan on hold if you acquire group coverage).

Their website even gives you super convenient immediate quotes that are worth taking a look at.

CAA health insurance

CAA also offers some great customization options, letting you choose your health, drug, and dental coverage separately. They also suggest 3 plans in case you're overwhelmed by choice.

Their extended medical coverage includes interesting extras such as speech therapists, hearing aids, and orthotics. Coverage and maximums vary by practice.

Costco health insurance

Costco members can get health insurance through the warehouse giant.

What's interesting about Costco's service is that travel coverage is included in all 3 plans, as long as you're under the age of 65. It also has various extra coverage, such as survivor benefits and physiotherapists.

Great-West Life health insurance

Great-West Life offers 3 health insurance plans, with the option to add other benefits to each of them.

These optional benefits include:

accidental death, dismemberment, and specific loss,

emergency travel medical,

hospital accommodation,

hospital cash, and

major dental.

In addition, the plans themselves come with ambulance, in-home nursing, medical supplies, and hearing aids coverage.

Desjardins health insurance

Though a popular health insurance company, Desjardins's website has little information on their specific coverage rates and maximums. They do state that their plans are personalizable (which is a plus) and may include travel insurance.

Check out their website for more information and their contact details.

RBC health insurance

Though RBC doesn't offer health insurance specifically, they do offer coverage that's sometimes included in health plans, including:

disability insurance,

critical illness insurance, and

hospital insurance.

It may be worth looking into as an alternative if you're interested in these options.

Frequently asked questions

Still have some unanswered questions? Don't worry, we've answered some of the most common ones here.

What's the best health insurance in Canada?

As always, it's not really possible to give a concrete answer to this question. It all depends on what you'relooking for and what matters to you and your situation.

For example, Blue Cross certainly had the best website and customizability that we encountered, but their drug coverage left something to be desired.

It's beneficial to shop around and ask for quotes from the companies you're interested in. Bringing it down to a matter of price will make the choice much easier for you.

What about pet health insurance?

Canada does have some pretty good options for pet health insurance...which would come in handy when faced with the difficult decision of how much is too much to spend on your furry friend.

Here are 4 of the most popular companies:

What's the average cost of private health insurance per month in Canada?

According to this 2017 report, Canadians pay $902 in out-of-pocket health and $756 in private health insurance per year on average. This works out to $75.17 and $63 per month, respectively.

Are health insurance premiums tax deductible in Canada?

Yes, premiums you pay to private health care are tax deductible. Visit this page for more details.

What about you?

Is your health insurance covered by your employer? Or do you have to take care of it yourself?

...Or do you not have health insurance at all?

Let us know in the comments!

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A Comparison Of Canada's Biggest Health Insurance Companies | How To Save Money

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With an expanding side hustle economy, more and more Canadians are in need of private health insurance. In fact, 30% of all health costs are either out-of-pocket or insured privately. So what are your options? What benefits should you be looking for when buying health insurance?

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I hope you all are doing good.

On this padlet wall, you are going to find some exciting thing about health insurance. Overall, I had tried to give you proper information on a topic without making it hard to understand. It has all information that one person has to know about health insurance. Not only positive but negative too. As well as, I had also attached one website of Government of Canada for each resident of Canada.

Thank you for your time and consideration...

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Private Health Insurance Worth IT or NOT?
Everything has a positive and negative aspect, the same as health insurance also have. I found this website very interesting because it has a negative part of health insurance. It has created other side of having health insurance in my mind.

This website proves that private insurance is very costly and not effective at all. In this website, you will find some of the reasons where the business doesn't need to buy health insurance at all and can use suggested alternatives to fulfil their and employees need as well as how they can save your money. Overall, it will reveal the truth about having private health insurance.

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The answer is... in most cases, no. Private health insurance in Canada is costly and ineffective for its intended purposes. Below, I explain the truth about health insurance and 5 reasons why it shouldn't be used, from a business owner and employee perspective.

Reason #1 - Private health insurance is not needed for planned, non-catastrophic events

An example of a planned, non-catastrophic event is your routine dental appointment. It is planned because most people schedule a teeth cleaning at least once a year. It is non-catastrophic because there is no severe risk involved. Most health and dental costs typically fall under this category.

Why is insurance not needed for these events? Well, let's think about the definition of insurance. The purpose of insurance is to transfer individual risk away, into a collective pool, effectively nullifying the risk. In the case of insurance, it means paying a fee to an insurer, which keeps you within the collective pool.

Back to the example: there is little risk involved with a dental appointment. Furthermore, it is planned ahead of time. There is no point to insuring low risk, non-catastrophic, planned events. You are better off paying the costs upfront.

Now, you might ask whether there are other forms of insurance that are useful. The answer to that is yes, there are other types of insurance that are effective and necessary, such as car insurance or house insurance. On the small chance that your house burns down, then you will be covered. You need this insurance because you may not be able to afford the consequences.

But let's cover all sides of the argument. Some people may have a tooth decay, which is unplanned. Well, there's two reasons why health insurance still isn't needed. First, it is a non-catastrophic event, so there's no need to transfer away the risk. Secondly, most insurers will not cover this procedure anyway.

Reason #2 - Private health insurance brings no value in exchange for its cost.

Over the years, insurance companies have marketed their plans over mainstream media, to encourage generation over generation that an insurance plan is necessary. This is not true. In most cases, you will save more money by paying for your medical costs upfront (out of pocket). There are more effective ways to save (we'll talk about this in the last section).

Most insurance companies aim for a 60/40 split. This means that insurance only returns about $0.60 for every $1.00 in a premium paid, to the employees for their claimed health and dental benefits. The resulting $0.40 of each dollar paid in a premium covers costs to administer the plan. In other words, profit for the insurer.

Related Reading: Do I Need Private Health Insurance in Canada? [The Truth for Small Business Owners]

Reason #3 - Private health insurance has limited plan flexibility

With millennials entering the workforce and global borders opening, the workforce is becoming more and more diverse. What this means for employers is a workforce with differing needs and values. In order to combat this change, benefits should offer flexibility and choice. In most cases, an insurance plan comes with limited coverage, few eligible expenses, and many restrictions. When one employee claims more than the others, the collective team suffers from increasing premiums so that insurers can maintain the aforementioned 60/40 loss ratio.

Reason #4 - Private health insurance is complex and hard to use

If you have ever tried setting up an insurance plan, you will know that there are many terms and variables which will confuse employees more than it benefits them. You are faced with fees like premiums, deductibles, copay, coinsurance and more. These apply at different times and reduce the amount of money that actually goes back to the employees. Additionally, your plan may not cover pre-existing conditions (ex. diabetic), in which case, those employees may be excluded from the plan. In some cases, the insurer might outright refuse coverage for the entire company.

Reason #5 - There is an effective and affordable alternative to health insurance

There is a viable alternative to cover health and dental expenses for you and your employees.

Behold... a Health Spending Account (HSA) is the best-kept tax secret for Canadian small business owners. It works by eliminating the tax on all your medical expenses and is 100% compliant with CRA guidelines. Through an HSA, employers can designate custom allotted allowances to their employees. Employees can use these 100% tax free funds on any health-related (eligible) expense. That can range from a new pair of prescription sunglasses to massages to a visit to the dentist. An HSA plan provides flexibility for employees and cost savings for employers. It has no premiums, deductibles, copay, or complex terms. Pricing is simple. To learn more, check out our Beginner's Guide to a Health Spending Account below.

When should you buy insurance? (Low Probability - High Cost)

In essence, insurance is generally reserved for unforeseen events that possess a low probability of occurring along with a high cost if experienced. Consider your home burning down: it's relatively unlikely to occur, but if it does, there is a tremendous cost associated with the event. In this example, insurance is a must-have.

Now let's turn our attention to the chart labeled Figure 1.0, below. On the Y-axis is the probability of any particular event occurring, ranging from "low" to "high". The X-axis represents a continuum of the cost of an event occurring, also ranging from "low" to "high".

FIGURE 1.0

EVENT PROBABILITY VS. COST OUTCOMES

For example, an event such as one's home burning down would be located in the bottom right hand corner, as it is typically classified as " Low Probability" and " High Cost". This area of the graph is clearly classified as " Requiring Insurance".

When is something not insurable? (High Cost - High Probability)

In addition, events that are classified as having a high probability and high cost are generally not insurable by insurance companies (or at least require very expensive premiums) as these presentsignificant risk. This is represented by the top right hand corner of the graph. An example of this type of scenario may be a person that wishes to build a house in a known flood plain. Insurance companies are likely to view the probability of a flood occurring and the associated cost of resulting damage as too high, making it therefore impossible for this person to obtain flood insurance.

When is insurance not required? (Relatively Low Cost - Moderate to High Probability)

Now consider regular health and dental expenses not covered by provincial healthcare. This includes such events as a teeth cleaning, obtaining prescriptions and vision checkups.

The probability of these types of events occurring for the average person is likely to be moderate-to-high, but the cost of such occurrences are considered to be relatively low. R emember that insurance, as defined above, is designed to protect you against the risks of the unknown. Yet, these regular health and dental expenses are generally expected. So why is health and dental insurance actually considered to be "insurance"?

This is a fundamental question that is not actively considered by many Canadians; rather, big insurance companies market the message that small-to-medium sized businesses should purchase traditional insurance plans in order to responsibly "cover" these types of costs.

Yet, this is simply not the case. In fact, if one examines the premiums paid by an average small business for this type of "insurance," one will find that the costs of the coverage outweighs the out-of-pocket costs of paying for these expenses by oneself.

Keep in mind that most traditional plans don't even pay for the entire amount of typical additional health and dental expenses (this is known as "co-pay"). In addition, these plans generally possess severe restrictions or simply don't cover every form of moderate-to-major type of expense, such as laser eye surgery and orthodontics.

The fact of the matter is that traditional insurance for small-to-medium business owners is not generally required for these types of "minor" events, as outlined in Figure 1.0. A person is better off financially to simply pay out-of-pocket for additional health and dental expenses.

Discover the better way to save costs on medical expenses in Canada:

Paying for your medical expenses out-of-pocket is using your after-tax dollars. That's why there is a more efficient and cost-effective method available to incorporated businesses to pay for all health and dental related expenses using pre-tax dollars. This tax plan is called a Health Spending Account. It is an alternative to health and dental insurance which allows business owners to pay for 100% of their medical expenses with before-tax money (through their own business).

Download the FREE Guide for a Small Business with Employees

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The Burning Question: Health Insurance is it Worth It?

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Health insurance is it worth it? Let me work it out for you. Here's the truth about health insurance. There are 5 key reasons why small business owners are choosing this affordable and flexible alternative over private health insurance in Canada.